MARTHA'S VINEYARD REAL ESTATE and homes for sale on the Island of Martha's Vineyard, including Oceanfront and Waterfront Properties. Fred Roven and Emma Kennedy, REALTOR® REALTOR Logo - NUMBER1EXPERTS™ NUMBER1EXPERT Logo We have Martha's Vineyard property, Martha's Vineyard homes, Martha's Vineyard real estate and homes for sale on Martha's Vineyard.
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Real Estate Tips
Financing Your Home >Credit Card Mania

Most people know that a checkered credit history can disqualify you for a home loan, and maxed-out credit cards can do the same thing. But what most people don't know is that merely having a large number of credit cards, even with low balances and a history of timely payments, can disqualify you for a home mortgage loan just as quickly.

According to credit experts, having a number of credit cards can be just as detrimental to the granting of further credit as a history of late payments. Lenders look at it this way: If you have ten credit cards, each with a limit of $5,000, that means you have the potential to run up $50,000 in debt virtually any time you choose. That mere possibility makes you a greater risk, from their point of view.

The moral of the story? If you are planning to apply for a home loan in the future, keep only those credit cards you actually need to use and cancel the others.

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Real Estate Trivia
Q 
Lenders in 14 states--California, New York, Oregon, Utah, Vermont and Wisconsin and 9 others--have what in common?

A 
Lender in these states must pay interest on funds held in escrow accounts.
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Fred Roven, REALTORŪ, real estate agents and broker for Martha's Vineyard Massachusetts home listings, property and land for sale - NUMBER1EXPERT(tm)

Fred Roven and Emma Kennedy
Martha's Vineyard Buyer Agents

256 Edgartown Vineyard Haven Rd.
Edgartown, MA 02539-1661
Phone: 508-627-5177
Cell: 508-662-3205
Fax: 508-627-7004
buymv@mvbuyeragents.com

What an exciting adventure you are about to begin...joining us on this very special island. We are Exclusive Buyer Agents representing Buyers only in the purchase of residential, vacation, and investment real estate on the Island of Martha's Vineyard. In addition to all the standard listings, we are able to show you foreclosures, bank owned, and For Sale By Owner properties. We walk you through the whole process, from initial conference to closing. We promote and protect your interests at all times (including anonymous purchases). We negotiate the best price and terms (remember, we are working for you, not the seller). We give you complete confidentiality. The seller will have professional representation, will you? We represent you, the Buyer, 100%. Follow MVBuyerAgents on Twitter


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Fred Roven and Emma Kennedy Buyer's Agent NUMBER1EXPERTS™ in real estate, Oceanfront and Waterfront Properties for Martha's Vineyard, Massachusetts, Buyers Agent.
We have Martha's Vineyard property, Martha's Vineyard homes, Martha's Vineyard real estate and homes for sale on Martha's Vineyard.

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